Current Funding and Plan Rates

Resource fee - $876/student/year

Plan utilization 19 students insuring 28 dependents.
Decrease from 31 students insuring 46 dependents prior year
Student usage by year in program:
GS Year
Enrollees

1
0

2
2

Current PacificSource Plan

Health & Vision
Dental
Adult Dependent Health & Vision
Adult Dependent Dental
Child Health & Vision
Child Dental

3
6
Annual Cost
3305.7
305.33
3305.7
313.47
3305.7
262.8

4
6

5
4

Student pays
0
0
661.14
62.7
661.14
52.56

6
1
Resource fee pays
0
0
2644.56
250.776
2644.56
210.24

Option 1: Discontinue dependent subsidy.

Discontinue dependent subsidy all together
Cost to graduate faculty: Savings of $876/year
Cost to students with dependents: Variable. Depends on cost of new plan.
Considerations: Could transfer Resource Fee to stipends for all PhD students and make costs neutral.

Option 2: Utilize employee health plan

Move graduate students to employee health plan like post-docs.
Employee OHSU PPO Rates
Student Plan
Individual Health
7571.04
3305.7
Individual Dental
517.2
305.33
Student & Partner Health
12118.08
5950.26
Student & Partner Dental
1125.6
618.80*
Student & Child(ren) Health
9610.32
5950.26
Student & Child(ren) Dental
1256.88
568.13*
Family Health
12819.24
8594.82
Family Dental
1822.08
881.60*
*Student plan charges per dependent. Rates based on 1 spouse and/or 1 child
Cost to graduate faculty: At minimum $900,000 to move individual student plans. Additional costs
would include those typically associated with standard overhead costs.
Cost to students with dependents: Variable (depends on plan)

Option 3: Reimburse health exchange plans

Reimburse students for health exchange plans.
Examples of Gold ACA plans for 29 year old student on minimum stipend per month
Demographics
First 3 plan costs per month
Spouse and child
$383, $426, $431
Just spouse
$160, $163, $165
Just child
$139, $154, $156
Note: Does not take into account possible tax breaks or utilizing state or federal health programs
Annual cost comparison:
Adult Dependent Health
Child Health
Adult and Child Health

Average Gold ACA Plan

1952
1796
4960

Student Plan
3305.7
3305.7
6611

Cost to graduate faculty: depends on a flat rate reimbursement or percentage.

Cost to students with dependents: variable depending on plan

Option 3.5: Grandfather current students for use of health exchange

reimbursements and eventually phase out the Resource Fee.
Estimates based on average Gold ACA family plan and assuming future costs do not increase:
Academic Year
2016-17
2017-18
2019-20
2020-21
2021-22

Enrolled Students
80% ACA Approximate Costs
18
71424
17
67456
13
51272
8
31744
2
4936